Our Services - Investment Management

            

Investment opportunties are all around us.  How then do we determine which one is right for us.? More importantly, - which one might be very wrong for us?  A knowlegdable and experienced professional advisor can help clarify the multitude of choices that await you, and can provide you with valuable guidance when and where it is needed. 
 
"Last year we reviewed well over 300 new investment opportunities, - of those, only 4 were chosen for use in some of our clients portfolios."    Bill Mack, CEO/President, WAMCOA
 
 
At the Wealth Advisory & Managment Corporation of America we do not follow the crowd and the "one size fits all" startegies of other firms.  We will actually take the time to get to know you, and understand what you would ultimately like to accomplish with your money.  With this increased understanding we can then create custom plans specially designed to help you realise your retirement and investment goals.
 
In addition, we provide our clients with an extensive array of investment choices, as well as a variety of services that include personalized planning, and ongoing education. These valuable services are delivered through a simple four-step planning system that helps take the guesswork out of retirement investing and provides clients with the foundation to achieve their retirement dreams.
 
Click on the following image to view our magazine-style "flipbook" about Investing Basics.
 
                             
 

 

Our Four-Step Planning System:

1.  Personalized Plan and Savings Analysis
A personalized plan and savings analysis will help you set your savings goals and establish a long-term investment strategy to reach them. This customized “road map” to retirement planning will illustrate your projected Social Security and/or State Retirement System benefits, help you calculate the amount of regular savings contributions that will be needed to get there, and recommend a model investment portfolio that matches your personal investor profile.
 
2.  Professional Investment Advice
To help you invest your savings wisely, we offer a diversified collection of professional investment management and advisory services. Through a diversified choice of investment options, ongoing mutual fund monitoring and professional portfolio management, you can avoid the all-too-common investor mistakes that undermine long-term success.
 
3.  Annual Retirement Plan Review
Each year, you’ll have the opportunity to receive a customized Annual Retirement Plan Review that reviews the progress of your savings and investment strategy. Included in this yearly “check-up” is a lifestage planning analysis designed to help you determine if it is time to make adjustments to your regular savings and/or investment allocation due to changes in your life or financial circumstances.

4.  Ongoing Education and Support
You will benefit from a wide variety of ongoing education and support services that help you better understand the fundamentals of retirement planning while keeping you actively involved in the progress of your plan. These include a toll-free service center, 24/7 online account access, planning calculators and tools, quarterly consolidated statements, online planning resources, membership newsletters, financial market updates and asset allocation bulletins.
 
 
 
Whatever stage of life you're in, we can help you with your financial situation.
 
 
 
 
 
 

A Principal Protection Strategy

Protecting Your Nest Egg from Market Declines
Many retirement investors are looking for an investment strategy that provides protection of their savings while still providing the potential for additional growth. By strategically combining a guaranteed fixed-rate* investment such as a fixed annuity with a diversified stock portfolio, you can pursue just such a strategy.

   Learn how one of our strategies might work for you.  (Income for Life Model - Movie)

A principal protection strategy is designed to help ensure that at least your initial investment will be available when you need it regardless of how the stock market performs. In the event that the stock market provides historically average or superior returns, this strategy positions you to potentially achieve higher long-term growth than a pure fixed rate investment.

Getting Started
As a general rule, to develop your principal protection strategy, begin by subtracting your current age from the age that you will begin making withdrawals from the investment. The difference is your investment time horizon. Next, use your investment time horizon and the average annual interest crediting rate of the fixed-rate investment to determine the allocation of your savings to invest between the fixed-rate investment and the growth component of your portfolio. The idea is to find the percentage of the fixed-rate component of your portfolio that will restore your principal investment amount regardless of the performance of your growth investments.

 

   Get Your Complimentary Plan & Savings Analysis

 

Is a Principal Protection Strategy Right for You?
It’s very important to note that a principal protection strategy is not for everyone. If you have a longer investment horizon, you should be aware that by investing a large percentage of your nest egg in fixed-rate investments, you are sacrificing the potential to benefit from the historically higher long-term returns of the stock market, which could result in a significantly smaller nest egg in retirement.

Before undertaking a principal protection strategy, you should enlist the help of a qualified financial professional. To determine an average annual interest crediting rate, you’ll need to consider factors such as first-year bonus crediting, extra surrender period crediting, old money/new money crediting and the historic or guaranteed post surrender period crediting. Because these calculations can be a little tricky, I would be happy to assist you, as well as help you select an appropriate fixed-rate investment and prudently allocate the growth portion of your portfolio.

For more information about our investment management programs, please contact us today.


* Fixed-rate guarantees are subject to the claims paying ability of the issuing insurance company. Withdrawals of taxable amounts prior to age 591/2 are subject to ordinary income tax and a 10% IRS tax penalty may apply. This is not a solicitation or offer to purchase or sell any security. This information is not intended to be used as the primary basis for investment decisions and should not be construed as investment advice.

Before investing carefully read the prospectus(es) which contain information about investment objectives, risks, charges, expenses and other information all of which should be carefully considered before investing.
For current prospectus(es) call (800) 874-6910. Investing involves risk. The investment return and principal value will fluctuate and, when redeemed, the investment may be worth more or less than the original purchase price. Asset Allocation or the use of an investment advisor does not ensure a profit nor guarantee against loss.